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Tag Archive | "pre-approval"

Top Mistakes of Home Buyers

The process of buying a home is one that you need to engage in with your head as well as your heart. You can’t make impulsive decisions when buying a home or you may find that you make a poor investment that will cost you time, money and frustration down the road. Insure that you […]

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What To Expect When You Take on a Mortgage?

The mortgage application process can be daunting for first-time home buyers. Knowing what to expect can help them to prepare for it. The mortgage process should begin as soon as you start looking for a home and it does not end until you take possession of your new home. Step One: Applying and Getting Pre-Approved […]

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Should You Spend The Full Mortgage Amount You’re Approved For?

When you’ve gotten a pre-approval from your mortgage lender, you’re ready to start shopping for a home. While your pre-approval tells you how much the bank thinks you can afford, many first time buyers in particular wonder if they should actually spend as much as they’ve been approved for. The first thing to note is […]

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Lenders Can Give You Leverage As A Buyer In These Ways

If you are independently wealthy or a lottery winner you probably buy a house with cash. For the rest of us, you can still buy a home to enjoy for the rest of your life. The most common way to do this is to work with a lender to pay for this major purchase over […]

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13 Hacks To Lift Your Credit Score Before You Buy A Home

Buying your first home is an excellent decision. But you may want to improve your credit score now that you are putting the plan into action. When you apply for a loan, you will want to be in the best financial position to get a good deal. The one thing that will disrupt your efforts most […]

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Don’t Depend On Your Last Pay Statement To Get That Mortgage

The Sixty-Day Seasoning Rule When you are waiting for approval on your home loan, you need to prepare for this one important detail. Your lender is unlikely to regard your most recent pay deposit as part of your contribution at closing. That means your paycheck is not eligible to form part of your deposit. Conventional […]

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Avoid These Things To Prevent Home Loan Approval Delays

No Sudden Financial Moves Once your lender preapproves you for a mortgage, and you have paid to start the application process, you need to make sure not to do anything that will cause the bank to think twice. Otherwise, you will have to deal with the consequences of delays or contract termination. The risky behaviors […]

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Sacrifice These 6 Bad Habits To Find Home Financing

Eighteen Months To A Down Payment It is amazing how much the typical consumer spends on convenience items that they can substitute with a little effort. If you set a goal of buying your first home, there is a good chance you can get there in the next eighteen months by making some changes like […]

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The Mature First Time Buyer – It’s Never Too Late To Dream

There Is No Time Limit Home ownership is much more predominant in the older part of the population. That doesn’t mean that that there are no people out there who made it to the senior section without buying a home but who may still wish to do so. The dynamics are a little different that […]

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Finding Your Core Credit Information

Each Credit Agency Has A Little List Credit is recorded by agencies that act as clearinghouses of information about consumer credit, specifically, how consumers use credit over time. There are three agencies that have come to dominate and they are the ones that lenders will turn to when they want to assess the creditworthiness of an […]

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